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25 months’ free banking** – for start-ups opening their first account within 12 months of beginning trading
or 25 months’ free banking** – for established small businesses switching to Yorkshire Bank from another provider

No charge
(Charges for Cash Paid In and Cheques Remitted are still applicable at the rates shown below)

Manual Entries

Cheques and other manual debits

70p

Credits

70p

Cheques

Cheques Remitted

30p per cheque

Cash

Cash Paid In

65p (per £100)

Cash Paid Out

65p (per £100)

Cash Exchanged

£1.30 (per £100)*

*Only applies to amounts greater than £100

Borrowing Charges

Debit Interest Rate

Per
Annum
(%)

EAR†
(%)

Fees

Planned Borrowing

Negotiable

Unplanned Borrowing^

29.25

33.51

Unplanned Borrowing^
Professional Firms Clients Account

29.25

32.62

Daily Unplanned
Borrowing Fee‡

£25.00

Arrangement Fees for Loans and Overdrafts (you will be advised when this charge shall be applied at the time)

Negotiable

^ In the event that you exceed your borrowing arrangements without prior agreement, a higher rate of interest will be charged on the excess borrowing.

**Offer applies to new Small Business Banking customers with a turnover of less than £2 million switching their main business current account or start ups opening first account within 12 months of beginning trading. No charges apply to cash or cheque deposits and withdrawals, Direct Debits or other automated transactions. Borrowing facilities up to £250,000 available subject to status, fees apply. Charges for “additional services” and “borrowing charges” are not part of the free banking offer and are highlighted in our business banking tariff. Cash limit (paid in, paid out or exchanged) of £250,000 per annum. At the end of the free banking period, you will move to our business banking tariff.

‡ As explained in the Terms and Conditions applicable to your Account, Unplanned Borrowing that totals less than the Buffer Amount will not attract the Daily Unplanned Borrowing Fee. The Buffer Amount is currently £25.00.

Other Day to Day Charges

Returned Item Fee:
Standing Orders, Direct Debits and Cheques which you authorise but which we return unpaid

£34.50 per item

Notification Fee

£0.50 per item

The above fees will be debited as one amount and be shown on your account as an ‘Unpaid Charge’ of £35.We will not charge the Returned Item and Notification Fees if the value of the unpaid item is £35.00 or less. This is the Returned Item Fee Buffer Amount.

Debit Card Transactions

ATM Transactions

3.75% of transaction value. Min £1.50

Purchase Transactions

2.75% of transaction value. Min £1.50

These fees and limits apply if you use a card where the card transaction is made using an ATM or supplier based overseas.

Where a foreign purchase transaction is refunded by a retailer, the purchase transaction amount will be credited back to the account based on the exchange rate on the day of refund. The foreign purchase fee charged for the original transaction will not be refunded. For any foreign reversals received, the original foreign purchase fee will be refunded.

Charges for our most common additional services

Bankers Draft (up to & including £100,000)

£30.00 per draft

Stopped Cheque

£10 (per cheque)

Night Safes
On Issue
Per Quarter

£15
£15

CHAPS Payment (same day payment)(Cancellation, fate enquiries and amendments may attract an additional charge of £18.00. Fate enquiries or Investigations initiated after 6 months may be charged at £50; and after 12 months may be charged at £100. Additional agent charges may also be applied. Back valuation of payments, where requested, may incur additional charges which will be advised to you at the time of your request)

£25

Copies of confirmations/advices

£5 per item

Inward Foreign Payments

Paid to customer’s account with this Bank
Up to £100 (or equivalent)

No Charge

Over £100 (or equivalent)

£7.00

Copies of confirmations/advices

£5.00 per item

Audit Letters

£27.50 (per hour)
(minimum £27.50) + VAT

Certificate of Interest Paid

£5

Statements
Additional statement
Duplicate statement

£2.00 per copy
£5.00 per copy

Status Enquiry

£10 + VAT

Other Services

BACSTEL-IP
Public Key Infrastructure (PKI)

New Issue PKI Smartcard

£70 (per 3 year life cycle)

Replacement PKI Smartcard

£70 (per 3 year life cycle)

Additional PKI Smartcard

£70 (per 3 year life cycle)

Signing Solution Software

Nil

International Services

Your branch or your Relationship Manager can provide you with details of the wide range of services which we offer

Please ask your Relationship Manager or a member of staff for further details and a copy of the International Tariff.

For further details on any of our charges please contact your local branch or Business Manager.

† EAR (Effective Annual Rate) - The Effective Annual Rate is used to express the cost of borrowing on current accounts. The EAR takes account of the interest rate charged, the frequency it is levied to accounts and compounding of interest, it does not include overdraft fees.